CDs & IRAs

Certificates of Deposit

Our Certificates of Deposit are designed to give you competitive rates and have a wide range of maturities. We offer CDs in terms from 91 days to 60 months. Ask our Customer Service Representatives for further details. Minimum deposit amounts apply and there is a substantial penalty for early withdrawals.

Individual Retirement Accounts

An individual Retirement Account (IRA) is a retirement fund established by you – as an employed individual – for your benefit. In most instances, you may make tax-deductible annual contributions to the IRA, which we hold as custodian. With a First State Bank & Trust IRA, you are able to invest in a wide array of investment options, including our CDs. IRAs offered through our Trust Department offer additional investment options.

If you have been participating in a retirement plan at work, you may, upon retirement or separation from service for any reason, “roll over” those retirement funds for maximum return, completely tax deferred until distribution. We offer Traditional, Roth and SEP IRAs.


  • Tax deferred earnings and possible tax deductions
  • No annual fee
  • No transaction fee

Click here to view current interest rates

Click here to view IRAs offered through the Trust Department

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